Bank of guilt in this situation is not the only, perhaps, that would be worth noting is the lack of service statements by mail, by which a borrower may control the level of its debt and to monitor the effectiveness of various options for repayment. Error number 5 Consent to service and imposed as a result of costs imposed How did the credit card becomes clear if you just jump around on a treaty that was signed Artem. In the contract he agreed that the bank at any time at will may issue him a credit card with a limit of 7,600 rubles, and that the bank will have the right to direct debit (ie, without asking the customer) in cash from his card to pay loans and commissions in case of delay of repayment. The press has repeatedly massaged information about how the right thing with the cards that you let the bank in addition to loans, that the cost of registration card is debited, regardless of whether the customer has activated it or not, and whether he had received it at all. But the map could be sent by mail, not even a registered letter, because an envelope with a card and activation codes could someone open (if the mailbox is broken), and can deliver by courier during business hours, when usually all at work. But the commission for card issuance and maintenance of accounts the bank has already written off, and then, if the client still gets a card and activates it, begins more interesting story – the increased interest for using the card (from 20 to 70 per year!) and other unreasonable costs.